Ever had a bad day? What about a really, really bad day? Standard insurance coverage will most likely be able to handle your average bad day, but when you get into "really, really" territory, the consequences and claims could go well beyond the limits of your policy. Adding extra padding to your current policy could be a financial life-saver and worth the cost. Our independent insurance agents will walk you through your umbrella policy options to make sure you have the proper coverage to tackle those hard-hitting claims.
Umbrella insurance protects you in liability situations where your home, auto or boat policies come up short. The extra coverage protects you in two ways:
Umbrella insurance is surprisingly inexpensive, especially considering everything it can do. It would be a shame to get stuck with massive bills if the unexpected strikes, when it could have all been covered at a fraction of the cost. Liability incidents come in all shapes and sizes, so being ready for everything from the itty to the not so bitty is key for your financial future.
Even if you keep those hands at 10 and 2 and almost always use your blinker, you could cause a serious accident that includes hospitalization. In this case, your umbrella policy kicks in once the $300,000 liability coverage limit on your auto policy is reached.
Your kid's friends are doing acrobatic flips, kicks and tucks on the trampoline in your yard and one of them makes a nasty landing, getting seriously injured. In this case, your umbrella liability handles the cost after your homeowners or renters' liability limits are hit.
Everyone should have an umbrella policy because although you think you will never need coverage, when you do, you'll have peace of mind.
****Insurance products are offered through Downeast Insurance, a wholly-owned subsidiary of Downeast Credit Union. Insurance products are not insured by the NCUA insurance
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